# US 10,482,461 B2 · User interface for payments > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,482,461 B2 - Document ID: US10482461B2 - Status: Granted - Kind: B2 - Application number: 14/503,296 - Filed: 2014-09-30 - Published: 2015-12-03 - Granted: 2019-11-19 - Earliest claimed: 2014-05-29 - Assignees: Apple Inc. - Applicants: Apple Inc. - Inventors: Marcel Van Os; Pablo F. Caro; George R. Dicker; Anton K. Diederich - Web page: https://patentgrep.com/patent/US10482461B2 ## CPC - G06Q 20/40145: {Biometric identity checks} - G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems - G06Q 20/102: {Bill distribution or payments} - G06Q 20/227: {characterised in that multiple accounts are available, e.g. to the payer} - G06Q 20/32: using wireless devices - G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]} - G06Q 20/3223: {Realising banking transactions through M-devices} - G06Q 20/3224: {Transactions dependent on location of M-devices} - G06Q 20/327: {Short range or proximity payments by means of M-devices} - G06Q 20/3278: {RFID or NFC payments by means of M-devices} - G06Q 20/36: using electronic wallets or electronic money safes - G06Q 20/3821: {Electronic credentials} - G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists - G06Q 20/401: {Transaction verification} - G06Q 20/4014: {Identity check for transactions} - G06Q 20/405: {Establishing or using transaction specific rules} - G06Q 30/0631: {Recommending goods or services} - H04L 67/10: in which an application is distributed across nodes in the network (software deployment G06F8/60; multiprogramming arrangements G06F9/46) - H04M 1/72403: with means for local support of applications that increase the functionality - H04M 1/72445: for supporting Internet browser applications - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) - H04M: TELEPHONIC COMMUNICATION (circuits for controlling other apparatus via a telephone cable and not involving telephone switching apparatus G08) ## Abstract The present disclosure relates to making payments with a mobile device. In one example process, the mobile device receives and stores information for one or more payment accounts on the mobile device. The mobile device is used to make payments using the payment accounts. In some examples, authorization to proceed with a payment is performed before each purchase made by the user. The authorization process can include receiving a verification of the user, such as a fingerprint scan or passcode. In some examples, a payment account is selected from among available payment accounts. In some examples, an indication is displayed of a digital item associated with a purchased item. In some examples, a payment transaction is initiated with participants of an ongoing communication. In some examples, an application of a retailer is invoked based on the availability of the application. In some examples, a purchase recommendation is provided. ## Claims ### Claim 1 A non-transitory computer-readable storage medium storing one or more programs, the one or more programs comprising instructions, which when executed by an electronic device with a display and a fingerprint sensor, cause the device to: display, on the display, a user interface for a first application, wherein the user interface for the first application includes a payment affordance associated with a payment transaction; detect selection of the payment affordance; in response to detecting selection of the payment affordance: transfer first transaction information about the payment transaction from the first application to a second application; and display, on the display, a user interface for the second application, wherein displaying the user interface for the second application includes concurrently displaying the first transaction information received from the first application and second transaction information provided by the second application, wherein the second transaction information is not available to the first application, and wherein the user interface for the second application partially covers the user interface for the first application, leaving at least a portion of the user interface for the first application visible on the display; detect a fingerprint using the fingerprint sensor; determine whether the fingerprint is consistent with an enrolled fingerprint that is enabled to authorize payment transactions; in accordance with a determination that the fingerprint is consistent with the enrolled fingerprint, proceed with the payment transaction; display, on the display, a user interface for a third application, wherein the user interface for the third application includes a second payment affordance associated with a second payment transaction; detect selection of the second payment affordance; and in response to detecting selection of the second payment affordance: transfer third transaction information about the second payment transaction from the third application to the second application; and display, on the display, a second user interface for the second application, wherein displaying the second user interface for the second application includes concurrently displaying the third transaction information received from the third application and fourth transaction information provided by the second application, wherein the second transaction information is not available to the third application. ### Claim 2 (depends on 1) The non-transitory computer-readable storage medium of claim 1, further comprising instructions to cause the device to: receive a selection of a first purchase detail affordance displayed on the user interface for the second application, the first purchase detail affordance associated with a first purchase detail of the payment transaction; in response to receiving selection of the first purchase detail affordance, display one or more affordances for selecting alternate values for the first purchase detail of the payment transaction; receive selection of an alternate value for the first purchase detail of the payment transaction; and in response to receiving selection of the alternate value, update the second transaction information to include the alternate value as the first purchase detail. ### Claim 3 (depends on 2) The non-transitory computer-readable storage medium of claim 2, wherein the first purchase detail of the payment transaction is part of the first transaction information from the first application. ### Claim 4 (depends on 2) The non-transitory computer-readable storage medium of claim 2, wherein the first purchase detail is part of the second transaction information provided by the second application. ### Claim 5 (depends on 2) The non-transitory computer-readable storage medium of claim 2, wherein the first purchase detail is a shipping address. ### Claim 6 (depends on 2) The non-transitory computer-readable storage medium of claim 2, wherein the first purchase detail is a payment account. ### Claim 7 (depends on 1) The non-transitory computer-readable storage medium of claim 1, further comprising instructions to cause the device to: in accordance with a determination that the fingerprint is consistent with the enrolled fingerprint, transfer the second transaction information to the first application. ### Claim 8 (depends on 1) The non-transitory computer-readable storage medium of claim 1, further comprising instructions to cause the device to: in accordance with a determination that the fingerprint is consistent with the enrolled fingerprint, transfer the first transaction information and the second transaction information to the first application. ### Claim 9 (depends on 1) The non-transitory computer-readable storage medium of claim 1, wherein the first application is a third-party application installed on the electronic device. ### Claim 10 (depends on 1) The non-transitory computer-readable storage medium of claim 1, wherein the first application includes a website accessed through a web browser installed on the electronic device. ### Claim 11 (depends on 1) The non-transitory computer-readable storage medium of claim 1, wherein the second application is the operating system of the electronic device, the second application having access to an electronic wallet including the second transaction information. ### Claim 12 (depends on 1) The non-transitory computer-readable storage medium of claim 1, wherein the second application is a first-party application provided by a provider of the operating system of the electronic device, the second application having access to an electronic wallet including the second transaction information. ### Claim 13 (depends on 1) The non-transitory computer-readable storage medium of claim 1, wherein the first transaction information includes an amount and a default shipping method. ### Claim 14 (depends on 1) The non-transitory computer-readable storage medium of claim 1, wherein the second transaction information includes a primary account number associated with a payment account. ### Claim 15 (depends on 1) The non-transitory computer-readable storage medium of claim 1, wherein the second transaction information includes a ship-to address accessed from user contact information, the user contact information stored on the electronic device. ### Claim 16 (depends on 1) The non-transitory computer-readable storage medium of claim 1, further comprising instructions to cause the device to: determine whether the fingerprint is consistent with an enrolled fingerprint that is enabled to authorize payment transactions prior to transferring the second transaction information to the first application. ### Claim 17 (depends on 1) The non-transitory computer-readable storage medium of claim 1, further comprising instructions to cause the device to: transfer zip code information from the second application to the first application; wherein the first transaction information includes an initial shipping cost based on the zip code information; and receive updated first transaction information, wherein the updated first transaction information includes a shipping cost based on the second transaction information. ### Claim 18 (depends on 1) The non-transitory computer-readable storage medium of claim 1, further comprising instructions to cause the device to: in accordance with a determination that the fingerprint is not consistent with the enrolled fingerprint, forgo authorization of the payment transaction. ### Claim 19 (depends on 18) The non-transitory computer-readable storage medium of claim 18, further comprising instructions to cause the device to: in accordance with a determination that the fingerprint is not consistent with the enrolled fingerprint: display, on the display, an affordance for receiving authorization to proceed with the payment transaction using a payment passcode. ### Claim 20 (depends on 18) The non-transitory computer-readable storage medium of claim 18, further comprising instructions to cause the device to: in accordance with a determination that the fingerprint is not consistent with the enrolled fingerprint: determine whether a predetermined number of attempts to receive authorization to proceed with the payment transaction using the fingerprint sensor has been reached; and in accordance with a determination that the predetermined number of attempts to receive authorization has been reached, require authorization using a payment passcode to proceed with the payment transaction. ### Claim 21 (depends on 18) The non-transitory computer-readable storage medium of claim 18, further comprising instructions to cause the device to: in accordance with a determination that the fingerprint is not consistent with the enrolled fingerprint, display, on the display, a visual prompt instructing a user to place a finger on the fingerprint sensor. ### Claim 22 (depends on 8) The non-transitory computer-readable storage medium of claim 8, further comprising instructions to cause the device to: in response to transferring the first transaction information and the second transaction information from the second application to the first application, complete the payment transaction using the first application. ### Claim 23 (depends on 1) The non-transitory computer-readable storage medium of claim 1, wherein a financial institution associated with processing the payment transaction treats the payment transaction as a card-present transaction. ### Claim 24 (depends on 1) The non-transitory computer-readable storage medium of claim 1, wherein displaying the user interface for the second application partially covers the user interface for the first application, leaving at least part of the user interface for the first application visible. ### Claim 25 (depends on 1) The non-transitory computer-readable storage medium of claim 1, wherein instructions to cause the device to display the user interface for the second application comprises instructions to cause the device to vertically slide the user interface for the second application onto the display from the bottom of the display to partially cover the user interface for the first application and leaving at least part of the user interface for the first application visible. ### Claim 26 A method, comprising: at an electronic device with a display and a fingerprint sensor: displaying, on the display, a user interface for a first application, wherein the user interface for the first application includes a payment affordance associated with a payment transaction; detecting selection of the payment affordance; in response to detecting selection of the payment affordance: transferring first transaction information about the payment transaction from the first application to a second application; and displaying, on the display, a user interface for the second application, wherein displaying the user interface for the second application includes concurrently displaying the first transaction information received from the first application and second transaction information provided by the second application, wherein the second transaction information is not available to the first application, and wherein the user interface for the second application partially covers the user interface for the first application, leaving at least a portion of the user interface for the first application visible on the display; detecting a fingerprint using the fingerprint sensor; determining whether the fingerprint is consistent with an enrolled fingerprint that is enabled to authorize payment transactions; in accordance with a determination that the fingerprint is consistent with the enrolled fingerprint, proceeding with the payment transaction; displaying, on the display, a user interface for a third application, wherein the user interface for the third application includes a second payment affordance associated with a second payment transaction; detecting selection of the second payment affordance; and in response to detecting selection of the second payment affordance: transferring third transaction information about the second payment transaction from the third application to the second application; and displaying, on the display, a second user interface for the second application, wherein displaying the second user interface for the second application includes concurrently displaying the third transaction information received from the third application and fourth transaction information provided by the second application, wherein the second transaction information is not available to the third application. ### Claim 27 An electronic device, comprising: a display; a fingerprint sensor; a memory; and one or more processors coupled to the display, the fingerprint sensor, and the memory, the one or more processors configured to: display, on the display, a user interface for a first application, wherein the user interface for the first application includes a payment affordance associated with a payment transaction; detect selection of the payment affordance; in response to detecting selection of the payment affordance: transfer first transaction information about the payment transaction from the first application to a second application; and display, on the display, a user interface for the second application, wherein displaying the user interface for the second application includes concurrently displaying the first transaction information received from the first application and second transaction information provided by the second application, wherein the second transaction information is not available to the first application, and wherein the user interface for the second application partially covers the user interface for the first application, leaving at least a portion of the user interface for the first application visible on the display; detect a fingerprint using the fingerprint sensor; determine whether the fingerprint is consistent with an enrolled fingerprint that is enabled to authorize payment transactions; in accordance with a determination that the fingerprint is consistent with the enrolled fingerprint, proceed with the payment transaction; display, on the display, a user interface for a third application, wherein the user interface for the third application includes a second payment affordance associated with a second payment transaction; detect selection of the second payment affordance; and in response to detecting selection of the second payment affordance: transfer third transaction information about the second payment transaction from the third application to the second application; and display, on the display, a second user interface for the second application, wherein displaying the second user interface for the second application includes concurrently displaying the third transaction information received from the third application and fourth transaction information provided by the second application, wherein the second transaction information is not available to the third application. ### Claim 28 (depends on 26) The method of claim 26, further comprising: receiving a selection of a first purchase detail affordance displayed on the user interface for the second application, the first purchase detail affordance associated with a first purchase detail of the payment transaction; in response to receiving selection of the first purchase detail affordance, displaying one or more affordances for selecting alternate values for the first purchase detail of the payment transaction; receiving selection of an alternate value for the first purchase detail of the payment transaction; and in response to receiving selection of the alternate value, updating the second transaction information to include the alternate value as the first purchase detail. ### Claim 29 (depends on 28) The method of claim 28, wherein the first purchase detail of the payment transaction is part of the first transaction information from the first application. ### Claim 30 (depends on 28) The method of claim 28, wherein the first purchase detail is part of the second transaction information provided by the second application. ### Claim 31 (depends on 28) The method of claim 28, wherein the first purchase detail is a shipping address. ### Claim 32 (depends on 28) The method of claim 28, wherein the first purchase detail is a payment account. ### Claim 33 (depends on 26) The method of claim 26, further comprising: in accordance with a determination that the fingerprint is consistent with the enrolled fingerprint, transferring the second transaction information to the first application. ### Claim 34 (depends on 26) The method of claim 26, further comprising: in accordance with a determination that the fingerprint is consistent with the enrolled fingerprint, transferring the first transaction information and the second transaction information to the first application. ### Claim 35 (depends on 26) The method of claim 26, wherein the first application is a third-party application installed on the electronic device. ### Claim 36 (depends on 26) The method of claim 26, wherein the first application includes a website accessed through a web browser installed on the electronic device. ### Claim 37 (depends on 26) The method of claim 26, wherein the second application is the operating system of the electronic device, the second application having access to an electronic wallet including the second transaction information. ### Claim 38 (depends on 26) The method of claim 26, wherein the second application is a first-party application provided by a provider of the operating system of the electronic device, the second application having access to an electronic wallet including the second transaction information. ### Claim 39 (depends on 26) The method of claim 26, wherein the first transaction information includes an amount and a default shipping method. ### Claim 40 (depends on 26) The method of claim 26, wherein the second transaction information includes a primary account number associated with a payment account. ### Claim 41 (depends on 26) The method of claim 26, wherein the second transaction information includes a ship-to address accessed from user contact information, the user contact information stored on the electronic device. ### Claim 42 (depends on 26) The method of claim 26, further comprising: determining whether the fingerprint is consistent with an enrolled fingerprint that is enabled to authorize payment transactions prior to transferring the second transaction information to the first application. ### Claim 43 (depends on 26) The method of claim 26, further comprising: transferring zip code information from the second application to the first application; wherein the first transaction information includes an initial shipping cost based on the zip code information; and receiving updated first transaction information, wherein the updated first transaction information includes a shipping cost based on the second transaction information. ### Claim 44 (depends on 26) The method of claim 26, further comprising: in accordance with a determination that the fingerprint is not consistent with the enrolled fingerprint, forgoing authorization of the payment transaction. ### Claim 45 (depends on 44) The method of claim 44, further comprising: in accordance with a determination that the fingerprint is not consistent with the enrolled fingerprint: displaying, on the display, an affordance for receiving authorization to proceed with the payment transaction using a payment passcode. ### Claim 46 (depends on 44) The method of claim 44, further comprising: in accordance with a determination that the fingerprint is not consistent with the enrolled fingerprint: determining whether a predetermined number of attempts to receive authorization to proceed with the payment transaction using the fingerprint sensor has been reached; and in accordance with a determination that the predetermined number of attempts to receive authorization has been reached, requiring authorization using a payment passcode to proceed with the payment transaction. ### Claim 47 (depends on 44) The method of claim 44, further comprising: in accordance with a determination that the fingerprint is not consistent with the enrolled fingerprint, displaying, on the display, a visual prompt instructing a user to place a finger on the fingerprint sensor. ### Claim 48 (depends on 34) The method of claim 34, further comprising: in response to transferring the first transaction information and the second transaction information from the second application to the first application, complete the payment transaction using the first application. ### Claim 49 (depends on 26) The method of claim 26, wherein a financial institution associated with processing the payment transaction treats the payment transaction as a card-present transaction. ### Claim 50 (depends on 26) The method of claim 26, wherein displaying the user interface for the second application partially covers the user interface for the first application, leaving at least part of the user interface for the first application visible. ### Claim 51 (depends on 26) The method of claim 26, wherein displaying the user interface for the second application comprises vertically sliding the user interface for the second application onto the display from the bottom of the display to partially cover the user interface for the first application and leaving at least part of the user interface for the first application visible. ### Claim 52 (depends on 27) The device of claim 27, the one or more processors further configured to: receive a selection of a first purchase detail affordance displayed on the user interface for the second application, the first purchase detail affordance associated with a first purchase detail of the payment transaction; in response to receiving selection of the first purchase detail affordance, display one or more affordances for selecting alternate values for the first purchase detail of the payment transaction; receive selection of an alternate value for the first purchase detail of the payment transaction; and in response to receiving selection of the alternate value, update the second transaction information to include the alternate value as the first purchase detail. ### Claim 53 (depends on 52) The device of claim 52, wherein the first purchase detail of the payment transaction is part of the first transaction information from the first application. ### Claim 54 (depends on 52) The device of claim 52, wherein the first purchase detail is part of the second transaction information provided by the second application. ### Claim 55 (depends on 52) The device of claim 52, wherein the first purchase detail is a shipping address. ### Claim 56 (depends on 52) The device of claim 52, wherein the first purchase detail is a payment account. ### Claim 57 (depends on 27) The device of claim 27, the one or more processors further configured to: in accordance with a determination that the fingerprint is consistent with the enrolled fingerprint, transfer the second transaction information to the first application. ### Claim 58 (depends on 27) The device of claim 27, the one or more processors further configured to: in accordance with a determination that the fingerprint is consistent with the enrolled fingerprint, transfer the first transaction information and the second transaction information to the first application. ### Claim 59 (depends on 27) The device of claim 27, wherein the first application is a third-party application installed on the electronic device. ### Claim 60 (depends on 27) The device of claim 27, wherein the first application includes a website accessed through a web browser installed on the electronic device. ### Claim 61 (depends on 27) The device of claim 27, wherein the second application is the operating system of the electronic device, the second application having access to an electronic wallet including the second transaction information. ### Claim 62 (depends on 27) The device of claim 27, wherein the second application is a first-party application provided by a provider of the operating system of the electronic device, the second application having access to an electronic wallet including the second transaction information. ### Claim 63 (depends on 27) The device of claim 27, wherein the first transaction information includes an amount and a default shipping method. ### Claim 64 (depends on 27) The device of claim 27, wherein the second transaction information includes a primary account number associated with a payment account. ### Claim 65 (depends on 27) The device of claim 27, wherein the second transaction information includes a ship-to address accessed from user contact information, the user contact information stored on the electronic device. ### Claim 66 (depends on 27) The device of claim 27, the one or more processors further configured to: determine whether the fingerprint is consistent with an enrolled fingerprint that is enabled to authorize payment transactions prior to transferring the second transaction information to the first application. ### Claim 67 (depends on 27) The device of claim 27, the one or more processors further configured to: transfer zip code information from the second application to the first application; wherein the first transaction information includes an initial shipping cost based on the zip code information; and receive updated first transaction information, wherein the updated first transaction information includes a shipping cost based on the second transaction information. ### Claim 68 (depends on 27) The device of claim 27, the one or more processors further configured to: in accordance with a determination that the fingerprint is not consistent with the enrolled fingerprint, forgo authorization of the payment transaction. ### Claim 69 (depends on 68) The device of claim 68, the one or more processors further configured to: in accordance with a determination that the fingerprint is not consistent with the enrolled fingerprint: display, on the display, an affordance for receiving authorization to proceed with the payment transaction using a payment passcode. ### Claim 70 (depends on 68) The device of claim 68, the one or more processors further configured to: in accordance with a determination that the fingerprint is not consistent with the enrolled fingerprint: determine whether a predetermined number of attempts to receive authorization to proceed with the payment transaction using the fingerprint sensor has been reached; and in accordance with a determination that the predetermined number of attempts to receive authorization has been reached, require authorization using a payment passcode to proceed with the payment transaction. ### Claim 71 (depends on 68) The device of claim 68, the one or more processors further configured to: in accordance with a determination that the fingerprint is not consistent with the enrolled fingerprint, display, on the display, a visual prompt instructing a user to place a finger on the fingerprint sensor. ### Claim 72 (depends on 58) The device of claim 58, the one or more processors further configured to: in response to transferring the first transaction information and the second transaction information from the second application to the first application, complete the payment transaction using the first application. ### Claim 73 (depends on 27) The device of claim 27, wherein a financial institution associated with processing the payment transaction treats the payment transaction as a card-present transaction. ### Claim 74 (depends on 27) The device of claim 27, wherein displaying the user interface for the second application partially covers the user interface for the first application, leaving at least part of the user interface for the first application visible. ### Claim 75 (depends on 27) The device claim 27, wherein to display the user interface for the second application, the one or more processors are configured to: vertically slide the user interface for the second application onto the display from the bottom of the display to partially cover the user interface for the first application and leaving at least part of the user interface for the first application visible. ### Claim 76 (depends on 1) The non-transitory computer-readable storage medium of claim 1, wherein displaying the user interface for the second application comprises vertically sliding the user interface for the second application onto the display from the bottom of the display. ### Claim 77 (depends on 1) The non-transitory computer-readable storage medium of claim 1, wherein displaying the user interface for the second application partially covers the user interface for the second application, leaving at least part of the user interface for the first application visible. ### Claim 78 (depends on 26) The method of claim 26, wherein displaying the user interface for the second application comprises vertically sliding the user interface for the second application onto the display from the bottom of the display. ### Claim 79 (depends on 26) The method of claim 26, wherein displaying the user interface for the second application partially covers the user interface for the second application, leaving at least part of the user interface for the first application visible. ### Claim 80 (depends on 27) The device claim 27, wherein displaying the user interface for the second application comprises vertically sliding the user interface for the second application onto the display from the bottom of the display. ### Claim 81 (depends on 27) The device of claim 27, wherein displaying the user interface for the second application partially covers the user interface for the first application, leaving at least part of the user interface for the first application visible. ### Claim 82 (depends on 1) The non-transitory computer-readable storage medium of claim 1, further comprising instructions to cause the device to: display, on the display, the user interface for the second application by sliding the user interface for the second application onto the display from an edge of the display. ### Claim 83 (depends on 26) The method of claim 26, further comprising: displaying, on the display, the user interface for the second application by sliding the user interface for the second application onto the display from an edge of the display. ### Claim 84 (depends on 27) The device of claim 27, the one or more processors further configured to: display, on the display, the user interface for the second application by sliding the user interface for the second application onto the display from an edge of the display.